OK, let's crack this. We're given 646 and our task is to multiply it by 95. Essentially, we'll be adding 646 to itself 95 times.
Step 1: 0 + 646 = 646
Step 2: 646 + 646 = 1292
Step 3: 1292 + 646 = 1938
Step 4: 1938 + 646 = 2584
Step 5: 2584 + 646 = 3230
Step 6: 3230 + 646 = 3876
Step 7: 3876 + 646 = 4522
Step 8: 4522 + 646 = 5168
Step 9: 5168 + 646 = 5814
Step 10: 5814 + 646 = 6460
Step 11: 6460 + 646 = 7106
Step 12: 7106 + 646 = 7752
Step 13: 7752 + 646 = 8398
Step 14: 8398 + 646 = 9044
Step 15: 9044 + 646 = 9690
Step 16: 9690 + 646 = 10336
Step 17: 10336 + 646 = 10982
Step 18: 10982 + 646 = 11628
Step 19: 11628 + 646 = 12274
Step 20: 12274 + 646 = 12920
Step 21: 12920 + 646 = 13566
Step 22: 13566 + 646 = 14212
Step 23: 14212 + 646 = 14858
Step 24: 14858 + 646 = 15504
Step 25: 15504 + 646 = 16150
Step 26: 16150 + 646 = 16796
Step 27: 16796 + 646 = 17442
Step 28: 17442 + 646 = 18088
Step 29: 18088 + 646 = 18734
Step 30: 18734 + 646 = 19380
Step 31: 19380 + 646 = 20026
Step 32: 20026 + 646 = 20672
Step 33: 20672 + 646 = 21318
Step 34: 21318 + 646 = 21964
Step 35: 21964 + 646 = 22610
Step 36: 22610 + 646 = 23256
Step 37: 23256 + 646 = 23902
Step 38: 23902 + 646 = 24548
Step 39: 24548 + 646 = 25194
Step 40: 25194 + 646 = 25840
Step 41: 25840 + 646 = 26486
Step 42: 26486 + 646 = 27132
Step 43: 27132 + 646 = 27778
Step 44: 27778 + 646 = 28424
Step 45: 28424 + 646 = 29070
Step 46: 29070 + 646 = 29716
Step 47: 29716 + 646 = 30362
Step 48: 30362 + 646 = 31008
Step 49: 31008 + 646 = 31654
Step 50: 31654 + 646 = 32300
Step 51: 32300 + 646 = 32946
Step 52: 32946 + 646 = 33592
Step 53: 33592 + 646 = 34238
Step 54: 34238 + 646 = 34884
Step 55: 34884 + 646 = 35530
Step 56: 35530 + 646 = 36176
Step 57: 36176 + 646 = 36822
Step 58: 36822 + 646 = 37468
Step 59: 37468 + 646 = 38114
Step 60: 38114 + 646 = 38760
Step 61: 38760 + 646 = 39406
Step 62: 39406 + 646 = 40052
Step 63: 40052 + 646 = 40698
Step 64: 40698 + 646 = 41344
Step 65: 41344 + 646 = 41990
Step 66: 41990 + 646 = 42636
Step 67: 42636 + 646 = 43282
Step 68: 43282 + 646 = 43928
Step 69: 43928 + 646 = 44574
Step 70: 44574 + 646 = 45220
Step 71: 45220 + 646 = 45866
Step 72: 45866 + 646 = 46512
Step 73: 46512 + 646 = 47158
Step 74: 47158 + 646 = 47804
Step 75: 47804 + 646 = 48450
Step 76: 48450 + 646 = 49096
Step 77: 49096 + 646 = 49742
Step 78: 49742 + 646 = 50388
Step 79: 50388 + 646 = 51034
Step 80: 51034 + 646 = 51680
Step 81: 51680 + 646 = 52326
Step 82: 52326 + 646 = 52972
Step 83: 52972 + 646 = 53618
Step 84: 53618 + 646 = 54264
Step 85: 54264 + 646 = 54910
Step 86: 54910 + 646 = 55556
Step 87: 55556 + 646 = 56202
Step 88: 56202 + 646 = 56848
Step 89: 56848 + 646 = 57494
Step 90: 57494 + 646 = 58140
Step 91: 58140 + 646 = 58786
Step 92: 58786 + 646 = 59432
Step 93: 59432 + 646 = 60078
Step 94: 60078 + 646 = 60724
Step 95: 60724 + 646 = 61370

So, 646*95 = 61370